United Community Banks (UCB) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Viewpoint - United Community Banks (UCB) reported strong financial results for the quarter ended September 2025, with significant year-over-year growth in revenue and earnings per share (EPS) [1] Financial Performance - Revenue for the quarter was $276.85 million, reflecting a 13.2% increase year-over-year [1] - EPS was reported at $0.75, up from $0.57 a year ago, indicating a solid improvement in profitability [1] - The revenue exceeded the Zacks Consensus Estimate of $270.85 million by 2.22%, while the EPS also surpassed the consensus estimate of $0.70 by 7.14% [1] Key Metrics - Net Interest Margin was reported at 3.6%, slightly above the estimated 3.5% [4] - The Efficiency Ratio - Operating was 53.1%, compared to the average estimate of 53.6% [4] - Total nonperforming assets amounted to $97.92 million, higher than the estimated $82.35 million [4] - Average balance of Total interest-earning assets was $25.99 billion, below the estimated $26.23 billion [4] - Net charge-offs to average loans remained stable at 0.2%, matching the average estimate [4] - Total nonperforming loans were reported at $96.44 million, exceeding the estimated $78.65 million [4] - Net interest revenue was $233.63 million, slightly above the average estimate of $233.37 million [4] - Total noninterest income reached $43.22 million, surpassing the estimated $36.77 million [4] - Net interest revenue (FTE) was reported at $234.66 million, compared to the average estimate of $234.3 million [4] Stock Performance - Shares of United Community Banks have returned -3.8% over the past month, contrasting with the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential for outperformance in the near term [3]